Other sources of help

Veteran's Gateway

Help for members of the Armed Forces with BFPO addresses in
securing a mortgage

Skipton Building Society will consider those working overseas
but will accept only sterling income. It requires two years'
income history - evidenced by HMRC documentation - and will want to
see that you and your dependants living in the property retain
residency rights.

Digital Mortgages, from the app-only Atom Bank, will consider
members of the armed forces not resident in Britain if they have
three years of BFPO or UK address history.

NatWest also considers applications from those with only a BFPO
address and treats members of the armed forces as being UK
residents, even when they are posted overseas.

Nationwide Building Society also takes a more flexible
approach. It allows forces personnel with only a BFPO
address to use another address they have links to on their
application. A 'linked' address could be, for example, the
address of a relative where you have your bank statements or other
correspondence sent when you are posted overseas.

Nationwide holds the gold award under the Armed Forces
Covenant. For armed forces personnel applying for a mortgage,
they have bespoke approaches in place: for example, where an
applicant is declined on credit score, it can be manually checked
by their under-writing team.

They have been working on improvements to the applications
process for personnel with a BFPO address history and have a
full-system solution due this year, which will allow personnel to
apply through a branch, directly or via an intermediary.